 We're tired of owing people money. We want to get out of debt ASAP. And frankly, the arguments and the stress is making it hard to sleep at night. We're on the verge of divorce due to this. Wow. How much debt have you got? I can go through it quickly. I've got $38K in a personal loan that's rollover from credit card debt. $29K in a car loan. Of course, that's upside down.